Investment

• Investment Management
  The above discussion barely scratches the surface of our portfolio management process. We would welcome the opportunity to provide more information about our investment strategies and answer any questions you might have.
• Mutual Funds
  Commission-only brokers, securities representatives, life insurance agents, etc. These financial professionals are commissioned salespersons. Many of the investment products they may sell, such as annuities and mutual funds, have an imbedded expense from which they derive their commission.

Accounting

• Accounting Services

Planning

• Financial Planning
  Independent Custodian – Northland Capital Management: Duluth, MN Virginia, MN Fee-only Fiduciary, Portfolio Management, Investment Advisor, Financial Planning, Fidelity
• Retirement Planning
  Northland Capital Management specializes in discretionary portfolio management for individual investors, trusts, and pension plans. After we understand our clients’ unique circumstances, we develop and implement investment strategies designed to help our clients pursue their financial goals. As an independent fee-only advisory firm, we serve all of our clients in a fiduciary capacity. General information about our firm’s services, fees, etc. can be found in our Form CRS client relationship summary.
• Annuities
• Asset Management
  At the beginning of an advisory relationship, we work to understand each client’s financial situation, investment objectives, and stated risk tolerance. These factors ultimately determine a portfolio’s strategic asset allocation range. For example, a client with a moderate risk profile might have a portfolio consisting of 40-60% equities, whereas a client with an aggressive risk profile might have a portfolio consisting of 60-100% equities. Clients also may decide whether their portfolio should be invested with a focus on ESG (Environmental, Social, and Governance) considerations.